OK, I wouldn’t call these rules, necessarily. They’re more like guidelines.
But, they are important guidelines, nonetheless. It helps me to remember these when I’m paying the bills and the numbers don’t go in quite the direction I wish they would. It helps me to remember them when I see some cool kitchen gadget that I don’t really need, but it would be really cool to have. It helps me to remember them when I don’t feel like we’ve saved enough money each month.